On website
Bendigo Bright Credit Card
Balance transfer
N/A
Purchase rate
9.99% p.a. ongoing
Annual fee
$59.00 p.a. ongoing
Highlights
- Ongoing interest rate remains low at 9.99% p.a.
- Benefit from its continual low annual fee of $59 p.a.
- No charges for extra cardholders.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
9
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
$30,000.00
Repayments
Interest Charged From
Statement date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
19.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$3.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
9.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$59.00
Dishonour Fee
$40.00
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. It's free to add additional cardholders.
- Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. The Bendigo Bright Credit Card cannot be used to pay for gambling.
Rewards and benefits
- Complimentary travel insurance. This card does not come with complimentary international travel insurance, which is consistent with other low-rate credit cards.
- Concierge services. The Bendigo Bright Credit Card does not come with a concierge service.
- Rewards points. You cannot earn rewards points with this card.
- Sign-up bonus. You won't get any welcome bonus for signing up.
Rates and fees
- Annual fee. This card comes with a $59 annual fee, which is competitive with other cards in its class.
- Balance transfers. Currently, there is no introductory balance transfer offer available for this card. If you wish to transfer balances from other credit cards, the annual interest rate is 19.99% p.a.
- Cash advances. You will be charged interest at the cash advance rate of 19.99% p.a. from the date the cash advance was made. For any cash advances you make on this card, you can also be charged a one-off cash advance fee.
- Foreign exchange fee. Purchases made in a foreign currency will attract a 3% foreign currency transaction fee.
- Interest-free period. Cardholders have up to 55 days interest-free on purchases. In order to get this interest-free period, the previous balance must have been paid in full by the due date.
- Purchases. There is no introductory offer for purchases. Purchases made with the card will attract interest at 9.99% p.a. until they are paid off.
Reviewed by Credit Card Compare Staff
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
This product has not been reviewed yet. Click here to write your review and help others make a better decision.
